Reference

Terms and Conditions at y19s

Opening an account on y19s means you accept these terms, which govern how your account works, how funds are handled and what both parties owe each other.

Account EligibilityDeposit and Withdrawal RulesFunds and Wallet PolicyAccount Suspension ConditionsGoverning Law

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What These Terms Cover and Where They Apply

y19s Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

These terms apply to every account held on y19s and govern activity that takes place where local law permits. Access and eligibility depend entirely on applicable local law in your region. Nothing in these terms overrides applicable Indian regulations, and wherever a conflict exists, local law

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takes precedence. Your account wallet — whether funded through UPI, Paytm or PhonePe — is subject to the deposit, withdrawal and balance-retention rules set out below. We update these terms when our policies change, and the version published at the time of any dispute is the
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version that applies. Continuing to use your account after a published update constitutes acceptance of the revised terms. If you disagree with any revision, you have the right to close your account before the change takes effect.

Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

TERMS CONTACT PATHS

How to Reach Us About These Terms

If any part of these terms is unclear or you believe something has been applied incorrectly to your account, our support team is the right place to start. Raise a formal dispute by email, use live chat for faster responses on routine questions, or check the help centre for written clarifications on common policy points before escalating.

Team online

Live Chat Support

Start a live chat session from the account dashboard for queries about how a specific term applies to your account. Agents are available daily and can escalate complex cases to the policy team the same day.

Email Disputes

Send a detailed written query to our support email for formal disputes about account suspension, fund holds or policy application. We aim to respond within two business days with a clear written explanation.

Help Centre Articles

The help centre holds plain-language explanations of the most referenced clauses — covering account closure, fund withdrawal timelines and how UPI and PhonePe transactions are logged and verified.

HOW WE HANDLE YOUR ACCOUNT

Data, Security and Your Rights Under These Terms

These terms set out what data we hold, how your account is protected and the steps we take when you request changes or raise a dispute.

Data We Retain

We keep account registration data, transaction logs and session records for as long as your account remains open and for a statutory period after closure. You can request a summary of what we hold at any time by contacting support.

Cookie Policy

Cookies are used to maintain your session, remember preferences and measure which parts of the lobby you access most. You can manage cookie settings in your browser, though disabling essential cookies may affect how your account functions.

Account Security

Two-factor verification is available for all accounts and we strongly encourage you to activate it. Any login from an unrecognised device triggers an automatic alert to your registered email or phone number so you can act immediately.

Data Retention Period

Transaction records linked to UPI, Paytm and PhonePe deposits and withdrawals are retained for the period required by applicable Indian financial regulations. After that period, records are anonymised unless a dispute is still open.

Requesting Changes

To update your registered details, request data correction or ask us to delete information we no longer need to hold, raise a written request through live chat or email. We process requests within five business days.

Dispute Resolution

Disputes about term application are first handled internally. If the outcome is unsatisfactory, the terms specify the governing jurisdiction. All players in Chennai, Kolkata and across India have the same process available to them.

Common Questions About These Terms

The questions below address what account holders ask most often about how these terms apply — covering account access, fund handling through UPI and Paytm, data rights and the process for raising a dispute or requesting account closure.

Yes. These terms apply to all accounts accessed from India where local law permits. Eligibility and access depend on applicable law in your specific region. If you are unsure, check your local regulations before opening an account.

We will always publish updates to the terms on this page before they take effect and, where practical, notify you by email. Continuing to use your account after the effective date means you accept the revised version.

If your account is suspended for a breach of these terms, any verified balance in your wallet remains yours subject to the investigation outcome. Funds are not forfeited automatically; we follow a documented review process before any retention decision.

Contact our support team by email or live chat with a written request. We will compile a summary of the data we hold — account details, transaction records, session logs — and send it to your registered address within five business days.

Yes. If a terms update takes effect and you do not accept it, you may close your account before the change applies. Contact support to initiate closure. Any balance in your wallet will be processed through your linked Paytm or PhonePe account.

Transaction records are kept for the statutory period required under applicable Indian financial regulations. Once that period expires, records are anonymised unless a dispute relating to those transactions is still open and unresolved.

Start with live chat for a quick response, or send a formal written dispute by email. We aim to respond within two business days. If the internal outcome does not resolve the matter, the governing jurisdiction clause in the terms sets out the next step.

Terms and Conditions at y19s

How to Reach Us About These Terms

Live Chat Support

Email Disputes

Help Centre Articles

Data, Security and Your Rights Under These Terms

Data We Retain

Cookie Policy

Account Security

Data Retention Period

Requesting Changes

Dispute Resolution

Common Questions About These Terms

01 Do these terms apply to me if I am in India?

02 Can y19s change these terms without notice?

03 What happens to my UPI deposit if my account is suspended?

04 How do I request a copy of the data y19s holds about me?

05 Can I close my account if I disagree with a change in the terms?

06 How long does y19s keep my transaction records after account closure?

07 Who do I contact if I think a term has been applied incorrectly to my account?

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